One of the things I suggest to clients as they prepare to travel is to consider purchasing travel insurance. I use my own personal measuring stick as to whether they should "really" consider it or maybe consider it. When a client starts spending money in the four figures, they have young children at home that are still at the age where they get sick a lot, they have a spouse or parents who are not in the best of health, or their health is not the greatest and could cause them to cancel that is when I highly suggest travel insurance. When you look at the low price it cost to purchase compared to how much you can lose by not doing it the purchase becomes worthwhile.
To give you an example each year I have a group of Girl Scout clients that I send cross country Europe every year. This particular year the scout leader wanted to deduct the amount of the travel insurance to save money. I insisted that she didn't. One of the young ladies going on the trip had to cancel at the last minute because of the discovery of cancer and the hospital wanted to start chemo immediately. Her mother was extremely worried that she had lost all the trip monies because everything was nonrefundable. When I explained to her that because of travel insurance she would get everything back she was extremely happy.
Ask your travel consultant what company they use, how accessible the company is when it comes time to file a claim and make sure you are aware of all the do's and don'ts that are in the policy. Travel insurance is well worth the investment to keep a peace of mind when you travel.